STUDY INTERNATIONALLY

STUDY INTERNATIONALLY

  • Dual JD program with the University of Windsor
  • Extensive international law and comparative law courses
  • Established relationship with Universite d’Auvergne in Clermont-Ferrand, France

HANDS-ON LEARNING FROM DAY ONE

HANDS-ON LEARNING FROM DAY ONE

  • A legal writing program that starts in the first year and continues through the upper level courses.
  • A clinical program that ensures every student the opportunity to represent a client.
  • A unique law firm program that allows students to engage in simulated cases and transactions in specific practice areas.

EXPAND YOUR CAREER OPPORTUNITIES

EXPAND YOUR CAREER OPPORTUNITIES

  • Downtown Detroit location provides proximity to courts and employers
  • Strong Alumni Network dedicated to supporting Detroit Mercy Law graduates
  • Ability to pursue a concentration in Immigration Law or Family Law

DEDICATED TO SOCIAL JUSTICE

DEDICATED TO SOCIAL JUSTICE

  • Committed to developing lawyers who serve the public good
  • Committed to serving the Detroit community
  • Founded on Jesuit and Mercy principles of service and the success of each individual

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BAR STUDY LOANS

Bar study loans are private alternative loans through a bank or other lending agency.  These loans are designed to assist students to cover costs of bar exam fees, bar review courses, travel to the location of the bar exam, and living expenses while studying for the bar exam.

Being private loans, each bar loan will have its own terms. Lenders will evaluate a student’s application based on the student’s credit rating and other criteria.  Most if not all of these loans will have a variable interest rate with no cap on the interest amount; a limited number of years for repayment with few or no deferment or forbearance provisions; and no cancellation for death or disability.  Bar loans may also have an origination fee which is deducted from the proceeds when a student receives a disbursement and/or a fee that is added to the loan balance at repayment.  Bar loans are not federal loans nor are they federally guaranteed, which means that there are no special programs like income-based repayment or loan forgiveness, and few if any options for consolidation or interest-rate reductions.

Most lenders require a credit score of at least 650 to 700 to approve a student’s bar loan application.  Lenders are generally more concerned about a student’s payment history than debt-to-income ratio as lenders are aware that most students are not working full time while in school.  However, there are lenders that will not lend to students with total debt over certain limits. 

Students who do not qualify for a bar loan on their own may be able to apply for funds with a co-signer.  This will usually result in the student being charged the highest interest rate and fees at which the lender will still fund loans.  Students who do qualify on their own might want to ask the lender if they could receive better terms (interest rates and fees) with a creditworthy co-signer. 

Bar loans generally have a lifetime maximum limit of $10,000 to $15,000.  Most lenders will not accept an application from a student who has already obtained a bar loan from another lender.

Some lenders will allow a student to borrow a loan but receive funds in up to four disbursements in order to meet the student’s needs without accruing interest on the undisbursed amounts of the loan.  This saves the student money and gives the student the opportunity to delay, reduce or cancel later disbursements without penalty if those funds are not needed.

Students who need assistance with the costs of registering for the bar exam would be better to request a re-evaluation of their federal loans once they have documented the cost and the registration.  Federal loans may be awarded for the first bar exam fees only.  Generally the loan that the student receives is the Federal Graduate PLUS loan. 

Just a note about interest rates—

A Bar or other private alternative student loan will almost universally carry a variable interest rate that is based on two parts:  a standard index, such as Prime Rate or LIBOR (London Interbank Offered Rate), which are rates at which banks can borrow; plus a margin which allows the lender to make a profit. The standard indices are now at extremely low levels—LIBOR under .6 percent and Prime around 3.25%.  Because these are so low and banks are much more risk-averse since 2008, interest rates are similar to those from 2008 or earlier – or between about 7.5 and 14%.  This means the margins have increased significantly since 2008 when LIBOR was running around 4.5% to 5% and Prime was around 7-8%.  Should Prime and LIBOR increase significantly, so will the interest rate on these student loans and there is no “cap” or limit on the interest rate or the monthly payment amount the bank charges based upon their formula.  Thus, a student who signs a promissory note specifying an interest rate of LIBOR plus 7% may have a 7.5% interest rate now, but if LIBOR returns to pre-2008 rates, a student could easily have a 12% interest rate in a few years. It is important that students read all the terms and conditions on the promissory note before accepting funds from the lender as origination fees may still be charged on loans that are disbursed and then returned.

Detroit Mercy Law does not have a preferred lender list for Bar Loan lenders so students may want to do an internet search of banks and other lenders that provide these loans.

EVENTS


Lunch at the Michigan Bar Exam - East Lansing

Tuesday, July 26, 2016 - 11:30 am

Detroit Mercy Law will provide complimentary boxed lunches for all alumni taking the Michigan Bar Exam on July 26 and July 27. Look for us outside the Breslin Center near Gate C during your lunch break each day. You can sit and relax or grab and go - whichever you prefer. For additional details, please contact
Denise Hickey, Assistant Dean of Alumni Relations.

Event Details>>


Red Mass 2016 - Atrium

Tuesday, September 20, 2016 - 12:00 pm

Detroit Mercy Law will host its 104th annual Red Mass on Tuesday, September 20, at noon at Ss. Peter & Paul Jesuit Church, followed by a complimentary luncheon in the atrium. Rev. Fred Kammer, S.J., J.D., will celebrate the Mass. Father Kammer is a Jesuit priest, an attorney, and a member of the Southern Province of the Jesuits. He has been director of the Jesuit Social Research Institute since March of 2009. Hon. Victoria Roberts of the U.S. District Court for the Eastern District of Michigan will lead the Renewal of the Lawyer's Oath of Commitment.

Red Mass is an opportunity for law students, judges, lawyers, civic leaders, faculty, staff, and administrators of all faiths to come together and celebrate the beginning of the new judicial term and academic year. The School has hosted the Red Mass on behalf of the Archdiocese of Detroit at Saints Peter and Paul since the School opened in 1912.

Press Release and Event Details>>


Reception at the State Bar of MI Annual Meeting in Grand Rapids - Amway Grand Hotel

Thursday, September 22, 2016 - 4:30 pm

Dean Phyllis L. Crocker will host a cocktail reception for Detroit Mercy Law alumni, State Bar dignitaries, members of the judiciary, faculty, and students at the Annual Meeting of the State Bar of Michigan at the Amway Grand Plaza Hotel in Grand Rapids on September 22 from 4:30 – 6:00 p.m.  She will make remarks at 5:15 p.m.

Event Details>>


Golf Outing - The Inn at St. John's

Friday, September 30, 2016 - 12:00 pm

Detroit Mercy Law will host a Golf Outing on September 30 at The Inn at St. John's in Plymouth, with a shotgun start at 12:00 p.m. followed by dinner and an awards ceremony at 6:00 p.m. All alumni, faculty, staff, administrators, students, and their guests are welcome to attend this exciting new event as part of Detroit Mercy's Homecoming festivities. More information will follow soon. Please contact
Denise Hickey or Amy Smith with any questions.

Save the Date Card>>

NEWS

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    Attorney Brian Hartwell entered Western Michigan University as a theater major and came out with a pre-law degree.

    "The stage and courtroom are comparable in certain respects – actors and litigators tell someone else's story to an audience familiar with the process, searching for a core truth," he says.

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    Engrossed in the O.J. Simpson trials at the age of 10, Erin Jacobs Rich knew she had found her calling.

    "I found the rhetoric in a courtroom to be one of the most fascinating things I'd ever seen," she says. "My mind was set at 10 that I would be lawyer and I'm very stubborn."

    Read More

  • KAREN McDONALD HENNING RECEIVES DETROIT MERCY LAW’S BARNES FACULTY SCHOLAR AWARD

    Henning

    DETROIT, Mich. – July 12, 2016 – Professor Karen McDonald Henning is the recipient of the 2016 James T. Barnes, Sr. Memorial Faculty Scholar Award at University of Detroit Mercy School of Law. This prestigious award, named in honor of alumnus James T. Barnes, Sr. of the class of 1940, recognizes a faculty member's outstanding scholarship, teaching excellence, and public service.

    >>

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    Lawrence G. Almeda, an intellectual property attorney and shareholder in the Ann Arbor office of Brink Gilson & Lione, is the new owner of the Plymouth Brazilian Jiu-Jitsu Academy, purchasing it from head instructor Elihu Ledesma. He earned his J.D. from the University of Detroit Mercy School of Law and LL.M from The John Marshall Law School.

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    While Michigan is ripe for some improvements in continuing legal education, a task force that recently studied the issue doesn’t believe that includes adopting the mandatory approach used by most other states..

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  • Professor Larry Dubin Quoted in The Detroit News

    Detroit Mercy Law Professor, Larry Dubin, was recently quoted in The Detroit News on the report that Wayne County prosecutors delayed sharing evidence with Davontae Sanford's attorneys that would have exonerated him. Sanford spent eight years in prison for murders he did not commit according to the report.

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